| Cover Page | 1 |
| Corporate Profile | 3 |
| Chairman’s Statement | 4-5 |
| Board of Directors | 8-9 |
| Corporate Information | 12-13 |
| Management Listing | 12-13 |
| Group Financial Highlights | 16-17 |
| Financial Calendar | 16-17 |
| Five-Year Financial Summary | 18-19 |
| Share Price & Trading Volume | 18-19 |
| Operations Review | 20-21 |
| People & The Community | 28-29 |
| Financial Review | 32-33 |
| Corporate Governance Report 2014 | 34 |
| Statutory Reports & Financial Statements | 46 |
| Directors’ Report | 47 |
| Statement By Directors Pursuant to Section 201(15) | 51 |
| Independent Auditor’s Report | 52 |
| Consolidated Income Statement | 53 |
| Consolidated Statement of Comprehensive Income | 54 |
| Statements of Financial Position | 55 |
| Consolidated Statement of Changes in Equity | 56 |
| Consolidated Statement of Cash Flows | 58 |
| Notes to the Financial Statements | 59 |
| Group Offices | 112 |
| Major Products & Services | 113 |
| Statistics of Shareholdings | 114 |
| Notice of Annual General Meeting | 116 |
| Proxy Form | 121 |